Being sued over credit card debt can be overwhelming. At Jaffer Law, we specialize in defending Texans against credit card and debt collection lawsuits. Our experienced attorneys are committed to protecting your rights and achieving the most favorable outcome for your case.
Why Choose Jaffer Law for Your Debt Defense
- Flat Legal Fees: We offer transparent, flat-rate fees based on the amount of the lawsuit, with flexible payment plans to accommodate your financial situation.
- Comprehensive Defense: Our team meticulously examines every aspect of your case to identify legal defenses and potential violations by creditors.
- Statewide Representation: Serving clients throughout Texas, we’re well-versed in state laws and court procedures.
- Free Consultation: Discuss your case with us at no cost to understand your options.
Understanding the Legal Process
Responding to a Lawsuit
In Texas, you typically have 14 days to respond to a lawsuit filed in Justice Court and 20 days in County or District Court. Failing to respond can result in a default judgment, allowing creditors to:
- Garnish your bank accounts
- Seize non-exempt property
- Place liens on your assets
- Report the judgment on your credit report for up to 10 years
It’s crucial to act promptly to protect your rights and assets.
Our Legal Services
Case Evaluation
We assess the lawsuit to determine if the creditor has:
- Filed within the statute of limitations
- Accurately calculated the debt and fees
- Properly documented the debt ownership
- Violated any consumer protection laws
Defense Strategies
Our attorneys develop a tailored defense strategy, which may include:
- Challenging the creditor’s evidence
- Negotiating a settlement for a reduced amount
- Filing counterclaims for any legal violationsjaffer.lawjaffer.law
Post-Judgment Relief
If a default judgment has been entered against you, we can:
- File a motion to set aside the judgment if it’s within 30 days
- Negotiate a settlement to satisfy the judgment
- Advise on bankruptcy options if necessary
Affordable Legal Fees
Our flat-fee structure is based on the amount of the lawsuit:
- Up to $1,000: $400
- $1,001 – $2,500: $500
- $2,501 – $5,000: $750
- $5,001 – $7,500: $1,000
- $7,501 – $10,000: $1,250
- $10,001 – $12,500: $1,500
- $12,501 – $15,000: $1,750
- $15,001 – $20,000: $2,000
- Over $20,000: Call for pricing
Flexible payment plans are available to ensure you can access the legal representation you need.
Contact Jaffer Law Today
Don’t face a credit card lawsuit alone. Our experienced attorneys are ready to defend your rights and help you navigate the legal process.